Globe LifeFRA:TMJ +0.39%89 Interest Coverage is 11.54 as of Mar. 2026, which is 1% above its 10-year median of 11.39. GuruFocus rates FRA:TMJ with a GF Score™ of 89/100 and a GF Value™ of €128.73 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 353 Insurance companies, Globe Life ranks worse than 60.62% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. Globe Life's
EBIT
for the
three
months ended in Mar. 2026 was €316 Mil. Globe Life's Interest Expense for the
three
months ended in Mar. 2026 was €-27 Mil.
Globe Life's interest coverage for the quarter that ended in Mar. 2026 was 11.54.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Globe Life's Interest Coverage or its related term are showing as below:
FRA:TMJ'
s Interest Coverage Range Over the Past 10 Years
Min: 10.27 Med: 11.39 Max: 16.27
Current: 11.36
FRA:TMJ's Interest Coverage is ranked worse than 60.62% of 353
companies
in the Insurance industry
Industry Median: 16.26
vs FRA:TMJ: 11.36
Globe Life (FRA:TMJ) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Globe Life Interest Coverage Related Terms
Globe Life Interest Coverage Historical Data
* Premium members only.
The historical data trend for Globe Life's Interest Coverage can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
FRA:TMJ vs UNM, PRI, JXN: Interest Coverage Comparison
For the Insurance - Life subindustry, Globe Life's Interest Coverage, along with its competitors' market caps and Interest Coverage data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Globe Life Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, Globe Life's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Globe Life's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Globe Life (FRA:TMJ) has a Interest Coverage of 11.54 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Globe Life and its competitors. This is near median its historical median of 11.39. Over the past decade, Globe Life's Interest Coverage has ranged from 10.27 to 16.27. According to the industry distribution chart, Globe Life ranks #214 out of 353 companies in the Insurance industry, placing it in the top 60.6%.
Is Globe Life's Interest Coverage too high?
Globe Life's current Interest Coverage of 11.54 is near median its 10-year median of 11.39. Over the past 10 years, this metric has ranged from a low of 10.27 to a high of 16.27. The Insurance industry median Interest Coverage is 16.26. Globe Life's value of 11.54 is 29% below this industry median. Based on the distribution chart, Globe Life ranks #214 out of 353 companies in the Insurance industry, which is below the industry midpoint. Overall, Globe Life has a GF Score™ of 89/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Globe Life's Interest Coverage compare to UNM and PRI?
According to the Insurance industry distribution chart, Globe Life ranks #214 out of 353 companies for Interest Coverage. This places Globe Life in the lower half of its industry. The industry median Interest Coverage is 16.26. Globe Life's value of 11.54 is 29% below this benchmark. Historically, Globe Life's own Interest Coverage has ranged from 10.27 to 16.27 over the past decade. While the company's 10-year median is 11.39 vs. the industry median of 16.26, Globe Life has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.26, based on 353 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Globe Life's current Interest Coverage of 11.54 is 29% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Globe Life and its competitors. For the Insurance industry, the median Interest Coverage is 16.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Globe Life's current Interest Coverage is 11.54, which is near median its own 10-year median of 11.39. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Globe Life stock overvalued right now?
Based on GuruFocus' analysis, Globe Life (FRA:TMJ) is currently considered Modestly Overvalued. The stock's GF Value™ is €128.73, compared to a current price of €154.20 — trading 19.8% above its estimated fair value. The current Interest Coverage is 11.54, which is near median its 10-year median of 11.39 and 29% below the Insurance industry median of 16.26. Globe Life's overall GF Score™ is 89/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Globe Life (FRA:TMJ), the current Interest Coverage is 11.54 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Globe Life (FRA:TMJ) Overvalued in 2026?
Based on GuruFocus' analysis, Globe Life stock appears to be overvalued.
The current stock price of €154.20 is trading 19.8% above its estimated GF Value™ of €128.73.
GuruFocus considers Globe Life to be Modestly Overvalued.
Key valuation signals for FRA:TMJ:
Interest Coverage: 11.54 (near median its 10-year median of 11.39)
GF Value™: €128.73 vs. price of €154.20 (19.8% above fair value)
Industry Position: 29% below the Insurance median (#214 of 353)
No single metric tells the full story. See the FRA:TMJ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Globe Life Inc is an insurance holding company. It provides a variety of life and supplemental health insurance products and annuities to a broad base of customers. The company's core operations are organized into three reportable segments: life insurance, supplemental health insurance and investments. Investment activities, conducted by the investment segment, focus on seeking investments with a yield and term appropriate to support the insurance product obligations. These investments generally consist of fixed maturities and, over the long term, the expected yields are considered when setting insurance premium rates and product profitability expectations.
89GF Score
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